Monday, December 27, 2010

Flower Power Made Our Climate Grow




This is a startling and completely unexpected result. I am totally cognizant of the powerful role of transpiration in sustaining rainfall over ecology.  The great tropical rainforests are convincing demonstrations.  It is core to my proposal to restore the Sahara and the Asian dry lands.

That it was way more difficult before flowering plants was not obvious at all.

This suggests that upland habitat was typically dryer and way more extensive everywhere except local wetlands.  Suddenly Northern Australia looks like home for dinosaurs and the whole remnant ecosystem.

This also suggests that flowering plants are way more proficient at absorbing carbon.

The rainforests would likely have been hugely constrained to their best drainage and wetlands with intervening dry highlands.  The deserts may not have been much larger but plenty of land would have been seriously marginal.  Again think about Australia.



Flower Power Makes Tropics Cooler, Wetter


ScienceDaily (July 19, 2010) — The world is a cooler, wetter place because of flowering plants, according to new climate simulation results published in the journal Proceedings of the Royal Society B. The effect is especially pronounced in the Amazon basin, where replacing flowering plants with non-flowering varieties would result in an 80 percent decrease in the area covered by ever-wet rainforest.

The simulations demonstrate the importance of flowering-plant physiology to climate regulation in ever-wet rainforest, regions where the dry season is short or non-existent, and where biodiversity is greatest.

"The vein density of leaves within the flowering plants is much, much higher than all other plants," said the study's lead author, C. Kevin Boyce, Associate Professor in Geophysical Sciences at the University of Chicago. "That actually matters physiologically for both taking in carbon dioxide from the atmosphere for photosynthesis and also the loss of water, which is transpiration. The two necessarily go together. You can't take in CO2 without losing water."

This higher vein density in the leaves means that flowering plants are highly efficient at transpiring water from the soil back into the sky, where it can return to Earth as rain.

"That whole recycling process is dependent upon transpiration, and transpiration would have been much, much lower in the absence of flowering plants," Boyce said. "We can know that because no leaves throughout the fossil record approach the vein densities seen in flowering plant leaves."

For most of biological history there were no flowering plants -- known scientifically as angiosperms. They evolved about 120 million years ago, during the Cretaceous Period, and took another 20 million years to become prevalent. Flowering species were latecomers to the world of vascular plants, a group that includes ferns, club mosses and confers. But angiosperms now enjoy a position of world domination among plants.

"They're basically everywhere and everything, unless you're talking about high altitudes and very high latitudes," Boyce said.

Dinosaurs walked the Earth when flowering plants evolved, and various studies have attempted to link the dinosaurs' extinction or at least their evolutionary paths to flowering plant evolution. "Those efforts are always very fuzzy, and none have gained much traction," Boyce said.

Boyce and Lee are, nevertheless, working toward simulating the climatic impact of flowering plant evolution in the prehistoric world. But simulating the Cretaceous Earth would be a complex undertaking because the planet was warmer, the continents sat in different alignments and carbon- dioxide concentrations were different.

"The world now is really very different from the world 120 million years ago," Boyce said.

Building the Supercomputer Simulation

So as a first step, Boyce and co-author with Jung-Eun Lee, Postdoctoral Scholar in Geophysical Sciences at UChicago, examined the role of flowering plants in the modern world. Lee, an atmospheric scientist, adapted the National Center for Atmospheric Research Community Climate Model for the study.

Driven by more than one million lines of code, the simulations computed air motion over the entire globe at a resolution of 300 square kilometers (approximately 116 square miles). Lee ran the simulations on a supercomputer at the National Energy Research Scientific Computing Center in Berkeley, Calif.

"The motion of air is dependent on temperature distribution, and the temperature distribution is dependent on how heat is distributed," Lee said. "Evapo-transpiration is very important to solve this equation. That's why we have plants in the model."

The simulations showed the importance of flowering plants to water recycling. Rain falls, plants drink it up and pass most of it out of their leaves and back into the sky.

In the simulations, replacing flowering plants with non-flowering plants in eastern North America reduced rainfall by up to 40 percent. The same replacement in the Amazon basin delayed onset of the monsoon from Oct. 26 to Jan. 10.

"Rainforest deforestation has long been shown to have a somewhat similar effect," Boyce said. Transpiration drops along with loss of rainforest, "and you actually lose rainfall because of it."

Studies in recent decades have suggested a link between the diversity of organisms of all types, flowering plants included, to the abundance or rainfall and the vastness of tropical forests. Flowering plants, it seems, foster and perpetuate their own diversity, and simultaneously bolster the diversity of animals and other plants generally. Indeed, multiple lineages of plants and animals flourished shortly after flowering plants began dominating tropical ecosystems.

The climate-altering physiology of flowering plants might partly explain this phenomenon, Boyce said. "There would have been rainforests before flowering plants existed, but they would have been much smaller," he said.

Global Salmon Study Shows 'Sustainable' Food May Not Be So Sustainable

From: Science Daily

Popular thinking about how to improve food systems for the better often misses the point, according to the results of a three-year global study of salmon production systems. Rather than pushing for organic or land-based production, or worrying about simple metrics such as "food miles," the study finds that the world can achieve greater environmental benefits by focusing on improvements to key aspects of production and distribution.
For example, what farmed salmon are fed, how wild salmon are caught and the choice to buy frozen over fresh matters more than organic vs. conventional or wild vs. farmed when considering global scale environmental impacts such as climate change, ozone depletion, loss of critical habitat, and ocean acidification.
he study is the world's first comprehensive global-scale look at a major food commodity from a full life cycle perspective, and the researchers examined everything -- how salmon are caught in the wild, what they're fed when farmed, how they're transported, how they're consumed, and how all of this contributes to both environmental degradation and socioeconomic benefits.
Article continues: http://www.sciencedaily.com/releases/2009/11/091124152803.htm

Schwarzenegger to Obama cabinet: Water... please!

From: Peter Henderson, Reuters

Schwarzenegger to Obama cabinet: Water... please!

SAN FRANCISCO (Reuters) - California Governor Arnold Schwarzenegger has demanded that President Barack Obama's cabinet rethink federal policy that would divert water from parched farms and cities to threatened fish, his administration said on Wednesday.
California's rivers used to brim with salmon and sturgeon, but a massive system of canals diverted water that fed farms and cities, now suffering through a third year of drought.
Schwarzenegger has gained credibility as an environmentalist for his push to curb greenhouse gases but he argued that federal plans to save fish will worsen a water crisis that has cost farmers more than $700 million and caused mandatory rationing in cities of the most populous state.
Article continues

Monday, November 15, 2010

Plan a Retirement the Canadian Way

To give us an overall understanding what is a retirement plan well a brief definition of it would be, it is an act of keeping aside a certain portion of your money during your years of earning in order for the said money to accumulate and provide you with your desired amount during your retirement period.
In Canada just like any other place in the world has a special type of retirement planning system in which it is being supplemented and assisted by its government. In order for you to have a comfortable retirement benefits the Canadian Pension Plan and the Old Age Security are the ones who will support you and help you through this.
To those who haven't known yet Canada has its own Registered Education Savings Plan (RESP) or known as a plan that will cater every child's needs for their higher education. From this they have also what they called as the Retirement Education Savings Plan. This is for everybody once they have finished their education. As a whole no matter neither what age you are nor what income level you have there is no limit for you to have an active interest about your retirement planning. Planning ahead of time is your best weapon in the future.
Before having your own retirement plant you should be first knowledgeable enough about the different things that govern their retirement plan or shall we say the governing terms and conditions of their retirement benefits. It is a basic trend or pattern for the Canadian way of planning a retirement to earn or to save a nigger or a much more money from the start in order for you to get a higher output amount in the future. Well this is right but always remember there are also things around us that make us a bit shaky when they arrive. The best example for this is about health issues. Health issues are really a big factor when it comes to retirement planning.
Regrets absolutely comes in the end not unless you are able to read your future, so therefore it is very advisable to take a step now in order for you to have what you wish for in the future. Canadian retirement plan is all about learning the efficient or the effective way how you can maximize your financial strategies. Of course you will have to go along with you tools that will help you as you go along the way.
In Canada issues such as lack of funds in the future for the retirement plans are common but these are all products or outputs of wrong investment. Good investment will absolutely produce a good output. That means putting your trust and your money to the right person at the right time, and then there will be no doubt to harvest fruits of your labors in the end.
Financial retirement is just a simple thing. All you need to do is to understand the philosophy and the concept of the matter then there will be no problem at all. All you need to do is to understand the things that are around you today in order for you to realize them in the future.

The Advantages of Self-Directed Investing

Having a dream of taking the full control of your planned portfolio and becoming really the master of your fate? Well it's time for you to become a "self-directed" investor in the realm of the stock market. Before going through that there are some things that you should need to learn in order for you to become one.
When it comes to topics that will involve ourselves, most people will think of it as an exhibition because of misconceptions and worries that may hinder us from our plans. I think this is the wrong side of most stories because no matter what it is as long as you have the right tools, knowledge and ideas about that certain thing just like being a self-directed investor then there is no reason for you to be a sloppy one. The advantage of being a self-directed investor is your freedom to do things that was based on your own analysis and decisions. This is an unusual thing for us because we seldom find things that are governed by all ourselves alone. As what I've said before managing finances and funds accompanied by good strategies would not show off impossibility for you to produce well results and an almost excellent returns.
Self-directed investment also means that you are taking the full responsibility and control of the decisions that are all over you or shall we say your investments. You have all the authority about choosing the type of investment that you want into your portfolio. This is the contrary of the managed accounts which is directed to you by some financial planners and other professionals. When you don't want to pay a fee unlike the others well self-directed investment is a must have for you.
Self-direct investing has so many advantages. The most obvious thing about it is the wide control that you can have and also for the better potential returns that you can have. This will also enable you to save more since your fees are reduced and capital appreciation and liquidity are at high elevations. Some downside of this decision also may cause you some emotional stress because of the risk of taking them all together at once. If you are a person that has a minimal amount of time, knowledge and discipline then it would be a disadvantage for you if you will pursue this.
Investing on this kind of plan needs a minimal amount of money and it is not true that if you will be involved on this kind of investment you will need a lot of cash to start. You can self-direct as long as you are steady enough about the money that you have. Based on the Canadian laws under the Tax Free Savings Account you can deposit directly an amount of $5.000 dollars each year and turns you in automatically to be a self-directed investor. You may also want to choose to self-direct only a portion of your investment that is if only you have a large sum of money invested. You can self-direct first the smaller portion of your investment and as you go along and as you gain more knowledge then you can convert it all into a full self-directed investment if you like.
The best thing to do at first is to know well and understand well the things that you are into because we are talking here of cash and not some other useless things. So if you think you have all the stuff that you need to pursue this plan then that wouldn't be a problem. Always remember also that no man is an island and always remember that no matter how good you are, you still need others in order to survive.

Planning for Retirement in a Time of Fear

It is change in the world that drive men to excel. Extreme volatility has everyone in the market jumpy and fearful but history seems to indicate that while some were losing their life savings, others made their fortunes. The only thing they did differently was to not be afraid of the change and they actually changed right along with it.
Whenever I have been asked how to begin to learn how to become a trader, I suggested that they start by reading a small book by Dr. Spencer Johnson called "Who Moved My Cheese". I will also suggest this to investors as well. Life is all about change, most of the time we call that change progress but sometimes it is a black cloud momentarily obscuring the view of the sun. The sun never leaves, it's still there, even in those dark times when our vision is obstructed.
When we begin to look around for solutions, we find that they are all around us. New ways to trade in a new market that came about because of unsatisfying changes somewhere else. A new need brings about a new cure. But those cures have been around all the time just waiting for someone to discover them. It's just that no one does until there is a need to do so.
Take for example the new ruling that prohibits Americans from trading with brokers that are outside the U.S. Many give up in defeat and quit trying to invest in profitable ways. Some try to adapt by forcing that square peg into a small round hole. Still others step back and look around. For over 200 years American businessmen have been starting businesses in other countries. McDonald's golden arches are recognized all over the world. Others have begun companies outside of the U.S. and they grew to be international corporations. Those companies most often hold and trade assets, invest and trade in what ever way it is legal and profitable to do so. The laws of the owner's country has no limiting effects on the foreign business because it has to operate under the laws of it's host country.
When it was illegal for Americans to own gold bullion, those that had overseas trust or businesses simply gave their gold to the overseas legal entity and it kept the gold for them. Was that legal? It was the citizen's property to do with what ever he chose until all the gold was confiscated by the government. He could stack it up, melt it down or give it away. Today's new restrictions are not all that much different. It is perfectly legal for Americans to open a business or trust in some other country and let that trust trade with what ever broker that they want it to. It can trade in what ever way it is legal for it to do so in the country where the trust or business is located.
It is also intelligent to hold some of your liquid assets in a legal trust so that if something happens in your home country that makes it undesirable to remain there, you have a head start by having some funds to go to. Doctors, lawyers and others who may be considered wealthy and a target for lawsuits almost always have a trust which is out of the reach of frivolous lawsuits.
So there are solutions to every problem when we begin to look for them. When things seem dark, the world is not ending, it's just raining. To keep from getting soaked, learn from your fathers. When the going got tough, the tough got going, some even to a new life in a new country. Desperation may have started them on their way but it was opportunity that drew them on. We are only defeated when we say we are. OK, it may cost an extra $1700 to start a trust but that is a small price for freedom.
What ever country that you live in, change is on the way. The world is growing smaller and we may need to move toward our opportunity. The best way to learn to become a talented investor is to begin with the book, "Who Moved My Cheese".

The Big Retirement Planning Secret

Let's suppose you've had enough of your job and want to retire - tomorrow! What would it take? How could you satisfy yourself that you have the financial wherewithal to walk away from the security of your paycheck?
Before you read ahead, humor me. Play the game out in your head. I don't want to know if you could walk away, just how would you know if you could?
What did you come up with? Does trying to grapple with such a nebulous issue spread over so many years in the future seem overwhelming, impossible?
I will let you in on a big secret. This is really a very simple question.
If you have a great deal of confidence in your retirement plan, you have probably already figured out what I am about to tell you. If you have no idea what it will take or when you will get there, read on...
Financially, retirement planning boils down to three and only three things: cash flow, cash and insurance. If I have these three things, in sufficient quantities, for an indefinite period of time, I am free to ride off into the sunset.
Really? Could it be that easy? Let's examine them one at a time...
Cash flow - While you are working, your cash flow comes from your job or your business. When you retire, your cash flow must come from your assets.
In retirement, cash flow sources fall somewhere along a continuum of certainty. At one end, you have near-term Social Security benefits, fixed annuities and pensions. Examples, on the other end would include rental income, oil and gas royalties and investment income from your portfolio.
The number one job of a retirement portfolio is to produce the cash flow necessary to fill any gap between your retirement expenses and guaranteed sources of income.
Cash - Every household needs a stash of cash held in a readily accessible, risk-free parking place that can be drawn on in the event of an emergency. Ours is held mostly in interest-bearing savings accounts, CDs and ultra-short bills, bonds and commercial paper. This particular bucket of cash is known as your emergency fund.
The emergency fund has a single job. It is to smooth out the ups and downs of markets and the economy. While you are working, that means the emergency fund is used in the event one or both spouses lose their job, became disabled or otherwise can't work. In retirement, the job of the emergency fund is to smooth out the inevitable fluctuations in investment income.
Insurance - Insurance is a mechanism by which we pool together risks we cannot afford to insure individually.
When you are in your 20s and 30s, the most common insurance needs are property, casualty, life and health. In your 40s and 50s, you need to purchase long-term care insurance. In your 60s, life insurance will often become unnecessary but you will have to grapple with Medicare and Medicare Supplement insurance.
The number one rule of insurance is, if you cannot afford to pay for something, insure it. If you cannot afford to replace your house if it burns, you insure that liability. If you cannot afford a lawsuit, you insure the liability. If you cannot afford years and years of long-term care, you insure the liability.
The second rule of insurance is the less you can afford to spend money on an insurance premium, the more you need insurance.
Think about it, if you can't afford $500 for car insurance, you sure can't afford to fix your car if it is in a wreck. If you can't afford $400 a month for health insurance, then you certainly can't afford to pay all the doctor and hospital bills if you were badly injured in that wreck. And if you can't afford $5000 a year in long-term care insurance, you certainly can't afford to pay for home health care, home modifications, physical therapists and skilled nursing care for the next 30 years if you were permanently disabled in that wreck to the point you needed long-term care.
So let's revisit... Cash flow is your life blood in retirement. It is what pays the bills. Not your net worth. Not the number on the top of your statement.
In retirement, the only thing that matters, (except to your heirs), is the money coming into your account that is available to sustain your lifestyle. Without it, you die. On the other hand, so long as you have plenty of it, you can easily and comfortably maintain your standard of living indefinitely into the future.
Cash smooths out cash flow. The more uncertain your cash flow, the more cash you need to have. If you can live very comfortably on Social Security, Medicare and your pension, your cash requirements will be smaller. If you retire at 45, you are still carrying a mortgage, a pile of debt and all of your cash flow comes from your investment portfolio, you cash needs will be much, much bigger.
Finally, insurance protects your assets, your sources of cash flow and lifestyle, from catastrophic loss. If you can't afford to lose it or pay it, even if the chances of a loss occurring are very small, it must be insured.
So, back to my original question... you are tired of working and want to know if you can retire. How do you know? Simple. The question is do I have enough?
Enough cash flow?Enough cash?Enough insurance?
If you are short in one or all of these three areas, put your nose to the grindstone and create a plan to get where you need to be. The good news is you don't have a million things to focus on - there are only three: cash flow, cash and insurance. With enough of these three, you can take care of everything else.
Provided the answer is yes, you have plenty of all three, well then... you go find your sweetie and ride off into the sunset!
Happy trails!
The intent of this article is to help expand your financial education. Although the information included may be relevant to your particular situation, it is not meant to be personalized advice. When it comes to investing, insurance and financial planning, it is important to speak to a professional and get advice that is tailored to your unique, individual situation. All investments involve risk including possible loss of principal. Investment objectives, risks and other information are contained in the Snider Investment Method Owner's Manual; read and consider them carefully before investing. More information can be found on our website or by calling 1-888-6SNIDER. Past performance is not indicative of future results.
Kim Snider has helped thousands learn sound financial management practices. Her firm, Snider Advisors, was built on the belief that a good financial education is the best way to avoid being taken advantage of. That's why we combine financial education with other products and services such as asset management, medicare supplement insurance, long-term care insurance, life insurance, disability insurance and retirement planning.
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